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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $109,624 | $91,537+19.8% | $130,045-15.7% | $75,173+45.8% |
| Participation rate | 64.7% | 71.5%-6.8pp | 78.5%-13.8pp | 67.2%-2.5pp |
| Annual return | 16.41% | -631.55%+648.0pp | -137.30%+153.7pp | 160.72%-144.3pp |
| Employer contribution / active EE | $3,068 | $2,845+7.9% | $4,321-29.0% | $2,671+14.9% |
| Participant deferral / active EE | $7,195 | $4,343+65.7% | $5,820+23.6% | $4,126+74.4% |
| Admin fee / account holder | $4,799 | $6,780-29.2% | $10,600-54.7% | $5,651-15.1% |